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  1. Hi I have received a claim form from Hoist portfolio. The particulars of claim the debt was legally assigned by Santander to the claimant and notice has been served. The defendant has failed o make contractual payments under the terms of the agreement. A default notice has been served upon the defendant pursuant to section 87. it is for £8000. I have acknowledged the claim & drafted a CCA & CPR. Is it just these I should be asking for copies of. 1. Agreement / Contract 2. Default Notice Any advice would be gratefully received as would like to send reco
  2. Hi I've just received a 'Letter Of Claim' from Howard Cohen & Co. Solicitors stating their client as "HPH2 LTD (Ex Tesco Personal Finance PLC)" also referenced in the letter as "Hoist Portfolio Holding 2 Ltd" regarding it's 'intention to issue proceedings in the County Court'. It also says "Despite our client or it's agents, Robinson Way Limited..." I believe my first course of action is to issue a CCA Request to the debt collector / client? The problem is that I cant find a UK address for Hoist Portfolio Holding 2 LTD but have found a Jersey address. The UK arm app
  3. Hi, I would like to announce a success for you to mark as won thanks to the help I received here if that's ok. I received a County Court claim and came to this site. I had a look around and saw that it was easy to defend the claim myself so I didn't want to start a thread and increase the already high workload of the good people advising on here. Firstly can I just say to anyone who is reading this that is in the same position, don't despair and as the advisers always say " READ OTHER THREADS " anyways here's my my story: A claim was issued against me on 09/05/2018 I found
  4. Evening All - Newbie here. As per the attachment, I have received the sealed CCCF from Hoist Portfolio on Friday (2 days after CCCF issued). I've not received any prior documentation from this company and to be honest I'm wondering what to do. I suffer from mental health issue's which have left me on bordering being admitted for my own safety a few months back however with help from my local Community Mental Health team, I've been making progress but this is chucking me back to a place I don't want to go. I know that I need to defend and get the AOS out on Monday via record
  5. Good afternoon, Any help would really be appreciated. This relates to a loan that was taken out years ago and prior to 2009. I cannot be more precise at this moment. I got into financial difficulty and defaulted on the payments. This has been in the hands of a number of companies. I do not recall getting regular correspondence and I believe the last payment ever made was 2014. This has dropped off my credit file. I did receive a letter I August 2015 to say that I was entitled to redress on my loan as the discovered following changes of CCA (1/8/08) that they
  6. After a bit of advice. A friend of mine has recently split from her husband. She's moved out but he's being a [removed] and not allowing her back into the flat to get her possessions including clothes and jewellery. Does she have any recourse in law such as obtaining a court order to allow her to recover her possessions?
  7. Dear All, I am new to this and i would need your precious help. My car was parked inwalmer street in manchester and the driver bought a valid ticket from the machine. Upon shutting the door this ticket has fallen on the floor without the driver realized that. On return the drivers find on the windscreen the penalty charge as "as no ticket displayed". The driver tried few times to call the number on the ticket in order to talk to an operator but the number rings out. Once at home the driver send proof of the valid ticket to SIP through their website and for an appeal again
  8. Hi all, Myself and two others were due to sign contracts to move into a 3 bed flat this Saturday, but one of my prospective housemates quit his job and pulled out last minute. Me and the remaining person can't find a replacement, nor do we want a random off of spare room. Problem is, we paid a £338 holding fee each and have now lost this as a result. The person that pulled out originally said they would pay me and the other person back the £338 each that we'd lost, but has now gone AWOL. The other person is furious (I tend not to fret) and we were wondering if there was any legal act
  9. New here, been reading some posts, but so much info, getting confused.. Well over 10 years ago, had 3 Credit Cards, 2 were with Barclaycard directly, another via another company, but at some point Barclaycard took that card over also... In the last 5 years at least have had a payment plan with Barclaycard with all 3 accounts, as I could no longer afford the monthly amounts along with interest, in Dec 2016 Barclaycard passed 2 of the accounts over to Link Financial, paying one at £50.00 a month the other at £100.00 which is what I was paying Barclaycard
  10. Hi Looking for some last minute advice with this claim, when i started to tackle this back in 2016 i was taking advice from another forum and now know that the CPR18 was the wrong approach. The debt is for a credit card that was taken out in 2013, the total debt is £654.68, £784.68 with the court fees. My first communication from Hoist Portfolio was 2 weeks before the court paperwork arrived. I am appearing in court on Friday to try and defend this claim. I received a claim form from the court on the 18 Feb 2016. On the 22 Feb i sent a CCA request and a CPR18.
  11. I have had a long and frustrating situation with my car which has recently come to a frustrating head. 29/04/2017 - I bought a used Peugeot 208 Style for £8,399 with finance in the form of an unsecured loan. I was not informed of this at the time, the vehicle did not have a full service history, and I didn't know to ask, this being my first car, and my dad specialises in old cars, which are lucky to have any service history at all, so he didn't think to ask. Within a month, I was having issues with the car stalling and pulling to the right on larger, open roads where you act
  12. Many debts dealt with on this forum thank you. I had a claim form from the court with a £6k debt from Tesco/Robinson Way. I filled in the I/E form and sent it back recorded delivery. Just had a letter from the court saying I never responded and I must pay the £6k. I have looked at the tracking information from when it was posted over 3 weeks ago and it still says its on it way! I also took a photo of the form before sending. What do you suggest? I did everything in the timescale but the Royal Mail has failed me.
  13. Are Currys holding on to and delaying customer refunds. In my case they seam to me to be doing just this. I bought an item online and Currys agreed to collect it as it wasnt as described and didnt fit my needs. It to 8 days to get the collection and I was told that I would get a refund within 3-5 days. Unfortunately that didnt happen I tried to complain: - I tried to raise a PayPal claim but the email supplied to contact Currys on the PayPal site doesnt exist so email returned. - I phoned Currys to complain, as soon as the customer services person takes my order
  14. Hey all, this just resurfaced after over 3 years-how do i respond to this? Letter of claim We act for HOIST PORTFOLIO HOLDING 2 LIMITED and write to inform you of its intention to issue proceedings in the county court fot the above outstanding amount (£2609)that you have failed to repay. Details of debt: This debt originates from a written agreement betwen the original creditor (lloyds credit card) and you. The agreement was subsequently terminated when its terms were not complied with. Our client later purchase this account and it was legally assigned on 08/09/
  15. Hi all, new to the forum and looking for advice. I bought a bmw 318d off eBay in February this year, within 2 weeks it broke down on me never to start again. I understand there is no comeback with the seller as it was a private sale but this where it gets complicated. I had been saving up to get a reconditioned engine as I'd been told by my own mechanic that the timing change had snapped. Looking through e-bay listing I'd settled on a company called automotive_shop. I approached them via telephone explaining my situation and the fact I was concerned that the listing stated they
  16. HI Ive got a letter saying notice of transfer of proceedings on the top left. It states Claimant - HOIST PORTFOLIO HOLDING 2 LTD defendant ME. Then all it says is To all parties This claim has been transferred to the the county court of St.Helens for enforcement. That is it no forms attached, there is no Amount Outstanding on the letter, nothing. I have checked my Credit File today and there are 2 listings on my Financial History. 1 CCJ from Barclays showing as SATISFIED and the other Account is still awaiting to be taken to Court for defaulting on m
  17. RBS made me an offer of £2k for ppi from 2003 They said they would pay me by cheque. However, the other day I had a message saying "we have deposited the money into your current account. On checking this I found that they hadn't deposited into my account, but to their own holding account pending further investigations. I phoned the ppi office to be told that the loan on which I claimed the ppi had arrears and so they were investigating. However, I then phoned RBS credit management and they confirmed I had no outstanding debts, but then claimed they still need to investigate.
  18. Name of the Claimant ? Hoist Portfolio Holding 2 LTD Date of issue 02/11/2016 Date to acknowledge =20/11/2016 Date to submit defence = 4pm Friday 02/12/2016 POC 1.This claim is for the sum of £4900 in respect of monies owing under an Agreement with the account number xxxxx pursuant to The Consumer Credit Act 1974 (CCA) The debt was legally assigned by MKDP LLP (Ex HSBC) to the Claimant and notice has been served 2.The Defendant has failed to make contractual payments under the terms of the Agreement. A default notice has been served upon the defendant pursuant to
  19. I work part time in the care industry, usually one day a week on week one and 3 days a week on week two. The hours i work are 6:15 to 20:00 with a few hours off during the day. I travel to visit patients who need care. At the end of my working day i fill in a timesheet, time spent in each house hold and where i visited and email it in to the office. I get paid weekly but wages are 2 weeks in arrears. The week in question was my 3 day working week. I came down with the flu (proper flu, not just a cold) and on the 2nd day of work rang in to say i wasnt well and would not be in work the f
  20. Hi all, Have today received a CCJ Claim from Hoist Portfolio Holding 2 Ltd. who apparently purchased the debt from MKDP LLP (Ex Barclaycard). According to my records the last payment on this account was made in June 2010, but the assignment in my credit file (just checked on Noddle) is showing the date of default in February 2011 so obviously there is a discrepancy. So, which one is more accurate? I was under the impression that the actual date of default is around 3 months after the last COA, which would lead to September 2010 + 6 years which gives a date of September 2016, whi
  21. Hi All, Came home from work today to find a letter packed with 6 monthly statements of account going back to 05/03/2010 this was for a welcome debt that I stopped paying sometime in 2007 or possibly earlier. I have been chased by robbers way about this debt I have ignored them because I know the debt is statute barred. I wonder why they have sent this lot (the letter states un CCA 74 they should have been sending these every six months but failed to do so). The other point it that the first statement is from 05/03/2010 showing no transactions on the account whic
  22. Hello and happy new year! I have recently noticed from my bank statements that in 2011, a deposit for a flat was never paid back. It was £400 holding deposit, £50+VAT admin fee and the rest and £87+VAT referencing. The contract I have on email states non-refundable if the letting is 'frustrated', and defines that as, if credit info is withheld from the application OR if I cancel the letting. The agent actually cancelled the letting, and no referencing was carried out because I checked with the referencing agency. So I did not 'frustrate' anything and never moved in. Yet al
  23. The problem I have is that, although I have paid the VAT portion of my bill, for goods received from outside the UK, I am refusing, on principle to pay the admin fee and, as a result DHL are holding my package , refusing to release it until this is paid. I sthere anything I can do?
  24. Hi all, I live in a property rented from a housing trust under a licence rather than a tenancy agreement. When I took on the tenancy about 7 years ago I was informed that the clerk to the trustees would hold a set of keys to my home and it would be stored in a locked safe. I have recently discovered that keys have been used to enter properties owned by the trust by workers employed by them without the tenant's permission or presence. One particular maintenance worker often calls unnanounced to carry out small jobs and has been asked on numerous occasions by various tenants to make an appointme
  25. Hi all, I bought a property with an ex partner many years ago. I managed the property for the first few years before handing it over to a managing agent. The property was in my name as he was out of the country as the time of signing the mortgage. No declaration of trust was put in place but it was always agreed to split it 50/50 and there is an email showing this (and that intent). The property was sold 2.5 years ago and following a previous legal matter, where the ex wanted access to the property's accounts, my solicitor at the time, who sold the property, agreed to hold
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